All about investing in Mutual Funds Direct Plan

From 1st of January, 2013 you have the option of investing in the Direct Plan option of any of the existing schemes of mutual funds. What does that mean? Basically as the word direct implies, under this option you deal directly with a mutual fund without any intermediary or third party like a distributor, agent, […]

Common Financial Mistake : Endowment Effect

Holding on to what you have is a financial mistake which very few people understand and acknowledge. People generally tend to overvalue what belongs to them relative to the value they would place on the same possession or situation if it belonged to someone else. This is called the endowment effect. For example, a person […]

Rs 5 cr fine for acting as unregistered investment advisor

Rs 5 cr fine for acting as unregistered investment advisor A very welcome move by SEBI to curb wrongful practices of unregistered players. Some guys were acting as investment advisors offering stock tips through SMS and websites without being registered with SEBI as investment advisors. SEBI got hold of the messages these guys were sending […]

Common Financial Mistake : Buyer Remorse

If you have a tendency to spend money on buying things which you do not really require but end up buying them only because there is a discount available, or because there is some scheme, or because something is available with it for free, then you will suffer from buyer remorse. That is so because […]

When should you change your financial services provider?

Is your stockbroker charging you too much? Has your financial adviser saddled you with expensive investments that are not helping you reach critical goals? Is your health insurance policy low on benefits and high on premium? Maybe it is time you considered switching financial service providers. Thanks to changes in the financial services arena, shifting […]

Debts can be as risky as Equity

Majority of Investors Define risk as Loosing capital during my interactions in Financial Literacy workshops. Corporate credibility, interest rate environment and inflation can eat into your returns or even make them negative There are people, who avoid equity markets thinking these are gamblers dens. And, feel debt investing is safe with no risk, and that […]

Attention NRIs : When Foreigners are Lining up to take advantage of Most Stable and amongst top growing economy of India, Should NRIs not be part of it ?

Investments by NRIs can be made either on a repatriable or non-repatriable basis As we all knoe foreign portfolio investors consider India as one of the best growing economies and hence attractive from an investment standpoint, NRIs too can benefit from a growing ‘home country economy’ by investing in India. Taking the mutual fund route […]

How I helped Client having Portfolio Lacking Diversification…

How I helped Client having Portfolio Lacking Diversification ; As part of series of Case Studies of Clients ( Names Have been changed) ; I am sharing a case of a client whose portfolio was anything but diversified. And this wasn’t his only problem. To make matters worse, he seemed to have contravened every basic […]


The client, Mr. Mehta is a 55-Yr old individual, employed with a private sector enterprise. His family comprises of his wife (a homemaker) and a son. Mr. Mehta earns an annual salary of Rs. 10, 00,000; broadly speaking, his annual expenses amount to Rs. 500,000 (Rs. 350,000 towards household expenses and Rs. 150,000 towards travelling/holidays). […]


This is the case of an individual who was 65 years of age, and had already retired and wanted to plan for cash flows for the rest of his life… So, what was his main wealth planning objective? – To invest his corpus of Rs. 1.50 crore, so as to meet his expenses of Rs. […]

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